i would say, so i would suggest that if she is over 65, she rely on medicare. if she is not 65, she is as confused as the rest of us when it comes to figuring out her health care. >> john is tweeting this, larry. what percentage of people never get to collect social security? does this percentage enter into any equation? >> according to the social security administration, 4% of people never collect any social security benefits. and that is because they're either infrequent workers or they're immigrants, and the poverty level among those people is 45%. so, that's how the numbers work out. >> retire and collect your social security benefits early or later? what does larry do? >> i think you wait as long as you possibly can. i suggest 70 years old. >> we'll check back with the 79-year-old's wife. that went well. larry, galls good having you. >> thank you so much. >> you think this guy is big news in new jersey? what if told you something further down the vary ballot he is on could prove much, much more explosive. you really love, what would you do?" ♪ [ woman ]